Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the

Budget Challenge Personal Finance Simulation a

Date Deposits Withdrawals Apartment Renter's Car Loan Car Ins School
10/5/2017 $ 1,000.00 & Bank fees Ins loan
10/6/2017
10/7/2017
10/8/2017
10/9/2017
10/10/2017 $ 0.50 $ 969.35
10/11/2017
10/12/2017 $ 1.00 $ 195.00
10/13/2017 $ 1,179.16 $ 0.50
10/14/2017
10/15/2017
10/16/2017
10/17/2017 $ 0.50
10/18/2017
10/19/2017 $ 300.00
10/20/2017
10/21/2017 $ 4.95 $ 405.84
10/22/2017
10/23/2017 $ 0.50 $ 258.49
10/24/2017
10/25/2017
10/26/2017 $ 1,179.16 $ 0.50
10/27/2017 $ 0.50 $ 405.84
10/28/2017
10/29/2017
10/30/2017
10/31/2017
11/1/2017
11/2/2017 $ 0.50 $ 500.00
11/3/2017
11/4/2017
11/5/2017
11/6/2017
11/7/2017 $ 1.00
11/8/2017
11/9/2017
11/10/2017 $1,179.16
11/11/2017
11/12/2017
11/13/2017 $ 1.00
11/14/2017
11/15/2017
11/16/2017
11/17/2017
11/18/2017
11/19/2017 $ 0.50 $ 380.84
11/20/2017
11/21/2017 $ 3.95
11/22/2017 $ 300.00
11/23/2017 $ 1,179.16 $ 600.00
11/24/2017
11/25/2017 $ 258.49
11/26/2017
11/27/2017 $ 0.50
11/28/2017
11/29/2017
11/30/2017 $ 0.50 $ 272.16
12/1/2017
12/2/2017
12/3/2017
12/4/2017
12/5/2017
12/6/2017
12/7/2017 $ 1,179.16 $ 0.50
12/8/2017 $ 0.50 $ 800.00
12/9/2017
12/10/2017
12/11/2017 $ 1.00
12/12/2017
12/13/2017
12/14/2017
12/15/2017
12/16/2017
12/17/2017
12/18/2017
12/19/2017
12/20/2017
12/21/2017
12/22/2017
12/23/2017
12/24/2017
12/25/2017
12/26/2017
12/27/2017
12/28/2017
12/29/2017
12/30/2017
12/31/2017
1/1/2018
1/2/2018
1/3/2018
1/4/2018
1/5/2018
1/6/2018
1/7/2018
1/8/2018
1/9/2018
1/10/2018
1/11/2018
1/12/2018
1/13/2018
1/14/2018
1/15/2018
1/16/2018
1/17/2018
1/18/2018
1/19/2018
1/20/2018
1/21/2018
1/22/2018
1/23/2018
1/24/2018
1/25/2018
1/26/2018
1/27/2018
1/28/2018
1/29/2018
1/30/2018
1/31/2018
2/1/2018
2/2/2018
2/3/2018
2/4/2018
2/5/2018
2/6/2018
2/7/2018
2/8/2018
2/9/2018
2/10/2018
2/11/2018
2/12/2018
2/13/2018
2/14/2018
2/15/2018
2/16/2018
2/17/2018
2/18/2018
2/19/2018
2/20/2018
2/21/2018
2/22/2018
2/23/2018
2/24/2018
2/25/2018
2/26/2018
2/27/2018
2/28/2018
3/1/2018
3/2/2018
3/3/2018
3/4/2018
3/5/2018
3/6/2018
 3/7/2018
3/8/2018
3/9/2018
3/10/2018
3/11/2018
3/12/2018
3/13/2018
3/14/2018
3/15/2018
3/16/2018
3/17/2018
3/18/2018
3/19/2018
3/20/2018
3/21/2018
3/22/2018
3/23/2018
3/24/2018
3/25/2018
3/26/2018
3/27/2018
3/28/2018
3/29/2018
3/30/2018
3/31/2018
4/1/2018
4/2/2018
4/3/2018
4/4/2018
4/5/2018
4/6/2018
4/7/2018
4/8/2018
4/9/2018
4/10/2018
4/11/2018
4/12/2018
4/13/2018
4/14/2018
4/15/2018
4/16/2018
4/17/2018
4/18/2018
4/19/2018
4/20/2018
4/21/2018
4/22/2018
4/23/2018
4/24/2018
4/25/2018
4/26/2018
4/27/2018
4/28/2018
4/29/2018
4/30/2018
5/1/2018
5/2/2018
5/3/2018
5/4/2018
5/5/2018
5/6/2018
5/7/2018
5/8/2018
5/9/2018
5/10/2018
5/11/2018
5/12/2018
5/13/2018
5/14/2018
5/15/2018
5/16/2018
5/17/2018
5/18/2018
5/19/2018
5/20/2018
5/21/2018
5/22/2018
5/23/2018
5/24/2018
5/25/2018
5/26/2018
5/27/2018
5/28/2018
5/29/2018
5/30/2018
5/31/2018
6/1/2018
6/2/2018
6/3/2018
6/4/2018
6/5/2018
6/6/2018
6/7/2018
6/8/2018
6/9/2018
6/10/2018
6/11/2018
6/12/2018
6/13/2018
6/14/2018
6/15/2018
6/16/2018
6/17/2018
6/18/2018
6/19/2018
6/20/2018
6/21/2018
6/22/2018
6/23/2018
6/24/2018
6/25/2018
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments (or expected payments) to vendors for bills on their expected transaction date
Step 4 4) Review bank account regularly. Add any bank fees or other withdrawals. Investigate discrepancies in balance
Step 5 5) Make notes for yourself in the comments to help with establishing a routine or habit

llenge Personal Finance Simulation and is intended only for use with this program
Cable Energy bill Cell Phone Credit Total Total Checking Acct
Card $ -
Withdrawals $ Deposits
1,000.00 $1,000.00
Balance
$ - $ - $1,000.00
$ - $ - $1,000.00
$ - $ - $1,000.00
$ - $ - $1,000.00
$ 969.85 $ - $30.15
$ - $ - $30.15
$ 15.00 $ 211.00 $ - ($180.85)
$ 49.50 $ 50.00 $ 1,179.16 $948.31
$ - $ - $948.31
$ - $ - $948.31
$ - $ - $948.31
$ 88.14 $ 427.76 $ 516.40 $ - $431.91
$ - $ - $431.91
$ - $ 300.00 $731.91
$ - $ - $731.91
$ 410.79 $ - $321.12
$ - $ - $321.12
$ 258.99 $ - $62.13
$ - $ - $62.13
$ - $ - $62.13
$ 0.50 $ 1,179.16 $1,240.79
$ 54.22 $ 460.56 $ - $780.23
$ - $ - $780.23
$ - $ - $780.23
$ - $ - $780.23
$ - $ - $780.23
$ - $ - $780.23
$ 500.50 $ - $279.73
$ - $ - $279.73
$ - $ - $279.73
$ - $ - $279.73
$ - $ - $279.73
$ 49.50 $ 20.00 $ 70.50 $ - $209.23
$ - $ - $209.23
$ - $ - $209.23
$ - $ 1,179.16 $1,388.39
$ - $ - $1,388.39
$ - $ - $1,388.39
$ 94.55 $ 412.06 $ 507.61 $ - $880.78
$ - $ - $880.78
$ - $ - $880.78
$ - $ - $880.78
$ - $ - $880.78
$ - $ - $880.78
 $ 381.34 $ - $499.44
$ - $ - $499.44
$ 3.95 $ - $495.49
$ - $ 300.00 $795.49
$ 600.00 $ 1,179.16 $1,374.65
$ - $ - $1,374.65
$ 258.49 $ - $1,116.16
$ - $ - $1,116.16
$ 54.22 $ 54.72 $ - $1,061.44
$ - $ - $1,061.44
$ - $ - $1,061.44
$ 272.66 $ - $788.78
$ - $ - $788.78
$ - $ - $788.78
$ - $ - $788.78
$ - $ - $788.78
$ - $ - $788.78
$ - $ - $788.78
$ 0.50 $ 1,179.16 $1,967.44
$ 800.50 $ - $1,166.94
$ - $ - $1,166.94
$ - $ - $1,166.94
$ 1.00 $ - $1,165.94
$ 49.50 $ 679.83 $ 729.33 $ - $436.61
$ - $ - $436.61
$ - $ - $436.61
$ - $ - $436.61
$ - $ - $436.61
$ - $ - $436.61
$ - $ - $436.61
$ - $ - $436.61
$ - $ - $436.61
$ - $ - $436.61
$ - $ - $436.61
$ - $ - $436.61
$ - $ - $436.61
$ - $ - $436.61
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$ - $ - $436.61
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$ - $ - $436.61
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$ - $ - $436.61
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$ - $ - $436.61
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$ - $ - $436.61
$ - $ - $436.61
$ - $ - $436.61
 the top cell)
expected transaction date
ls. Investigate discrepancies in balance
utine or habit

Comments

Late fee for Car Loan

Late fee for Auto Loan

Password to unprotect sheet: BudgetChallenge